Mortgage lending in Nevada County
2,456 mortgages were originated in Nevada County, California, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,456
- Median rate
- 6.625%
- Median lender fees
- $5,441
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $375,000
- Above the going rate (spread over APOR)
- 0.289
- Paid discount points
- 31.7%
- Received lender credits
- 26.5%
- Purchases / refinances
- 48.7% / 31.8%
- Conventional / FHA / VA
- 87.5% / 7.8% / 4.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 71.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $649,750
- Median home price
- $565,000
- That home, 20% down
- $452,000
A median-priced home with 20% down leaves $380,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Nevada County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 333 | $6,163 | 6.624% |
| The Loan Store, Inc. | 166 | $5,205 | 6.490% |
| Rocket Mortgage, LLC | 156 | $4,591 | 6.688% |
| Tri Counties Bank | 65 | — | 5.990% |
| Bank of America, National Association | 60 | — | 5.995% |
| Guild Mortgage Company | 58 | $5,587 | 6.625% |
| American Pacific Mortgage Corporation | 56 | — | 6.875% |
| Crosscountry Mortgage, Inc. | 55 | — | 6.990% |
| Alameda Mortgage Corporation | 52 | — | 6.625% |
| Movement Mortgage, LLC | 51 | — | — |
What lenders charged here
Lender fees on a $375,000 loan, based on what was actually charged in Nevada County — not a rule of thumb.
From 1,745 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers